2025年绩效基准报告

Sustainable scalability for banking technologyin the age of AI Contents IntroductionThe Temenos Banking PlatformThe 2025 Performance BenchmarkThe Results: Temenos Performance Benchmark 20252025 Performance Benchmark HighlightsRising Demand, Ongoing DecarbonizationAbout our Benchmark PartnerThe Temenos Benchmark TeamAppendix: Technology reportIntroductionTemenos Performance Benchmark 2025 Setup Introduction Performance is everything in banking technology; yet it is not the only factor. How performance is achieved is now just as importantas the performance outcomes themselves. Banks need systems that are fast, robust, secure and scalable, as well as sustainable and As a provider of technology to thousands of banksglobally, we have a fundamental role to play. Since2019, the Temenos Performance Benchmark (“thebenchmark”) has served as another tool to help usunderstand how our technology is performing andwhether our clients’ and their customers’ needs are As such, this year we were not necessarily aimingto further increase transaction throughput, but todemonstrate tangible efficiency gains in terms of Massive scalability: A recordbenchmark for modern banking In 2023, Temenos achieved a record-breaking150,000 TPS, proving the Temenos BankingPlatform’s ability to scale for Tier 1 embeddedfinance models. The scenario simulated a largeretail bank that launched a Banking-as-a-Service AI is having a profound impact on bankingprocesses, from real-time fraud detection to hyper-personalized customer experiences - but requireshigh-throughput, low-latency platforms. At thesame time, regulations like the Digital Operational Historically based on maximizing performance,measured in transactions per second (TPS),we evolved the benchmark last year to includeenvironmental impact, reflecting the growingimportance of carbon-conscious computing in Every year we examine the broader marketenvironment to make sure our benchmarkmethodology tests our performance against evolvingstandards and norms. We never rest on our laurels This has redefined the scope of the benchmark, butwe are also cognizant of the intensifying demandsof technology in general, including AI, regulatory We are delighted to report new improvementsfor the 2025 Temenos Performance benchmark,in partnership with Microsoft. The Temenos Banking Platform We have been developing the Temenos Banking Platform for over 30 years, and the outcomes of the 2025 Performance Benchmark certainly reflect this.Three decades of unrelenting efforts to meet ever-evolving demands and standards on a single platform, as a single piece of code. This allows all our clients to Supporting banks of all types and sizes in all regions, our clients benefit from this single code base as well as 1,800+ pre-built banking processes across Retail,Business and Corporate Banking, and Wealth Management. We are proud to offer the broadest breadth and depth of banking services available on any platform. Banks are given full flexibility to run the Temenos Banking Platform agnostically - on-premises, in the cloud, or in a hybrid setup. The platform works with majorproviders like Microsoft Azure, AWS, and OpenShift and is also available as Temenos SaaS, our end-to-end banking service supported by Azure and AWS. Ongoing and recognized commitment to sustainability This year, we were recognized byTIMEas thefourth mostsustainable company in the world, underscoring our commitmentto environmental and social responsibility. This reflects our ability TheTIMEranking evaluates the world’s largest companies acrossover 20 key performance indicators, includingESG transparency,environmental impact, employee wellbeing, andcorporate Further reinforcing our leadership, we consistently earn topESG ratings from agencies such asS&P Global, CDP, EcoVadis, andSustainalytics. For our clients, partnering with us enablesmeaningful progress towards their ESG goals, helping to reducetheir carbon footprint, minimize environmental impact, and support The 2025 Performance Benchmark The Temenos Performance Benchmark measuresthe performance and scalability of our platformyear over year, highlighting improvements andadvancements in elasticity, transaction throughput, Again, we tested RES on Microsoft Azure,incorporating all the technology enhancementswe made throughout 2024 and in early 2025 thatare part of our annual release (R25). We wantedto evaluate whether these innovations improved The 2025 benchmark scenario As banks increasingly adopt AI for financialcrime mitigation, application development,and operational efficiency, we’ve integratedAI workloads into the 2025 benchmark. Thisallows us to test scalability and performance, The goal was ultimately to demonstrate thetangible benefits of our improvements. We showedthat with the same hardware and solution (RES),we processed more transactions with reduced As such, the benchmark helps to guide ourinnovation and ensure we can continue to meet 25 millioncustomers Li